PRIVACY POLICY


The website www.hometree.net.in and Mobile Apps Home Tree Loan APP and Home Tree DSA APP (herein referred as “Website and Mobile Applications”) are operated by HomeTree. HomeTree also operates the brand and domain associated with HomeTree.net.in with address at D-375, LGF Defence Colony, New Delhi, India - 110024 and Home Equity Pvt. Ltd, under brand and domain name WhatsLoan.com is a technology partner and platform for financial services delivery, is a company incorporated under the Companies Act, 2013, having registered office at No 305, Classique Mansion, HAL 2nd Stage, Indiranagar, Bengaluru, Karnataka 560008 (herein referred as “Whatsloan”):

In the privacy policy (herein referred to as “Policy”), "we", "our" and "us" means HomeTree & Whatsloan, "you" and "your" means any person or authorised person of business entity who accesses and uses this Website, including but not limited to any business associates(s).

We take your Privacy seriously. The Privacy Policy explains how we will use information about you and the steps we take to ensure your information is kept secure and confidential. Please read the policy together with our terms of use.

Please read this Policy carefully to make sure you understand how any personal information you provide to us will be handled. If you use any of our Services, you will be regarded as having read and accepted this Policy. You must not use this Website and/or Mobile application or our Services if you do not accept this Policy. By mere use of this Website, you expressly consent to our use and disclosure of your personal information in accordance with this Policy. Our privacy policy is subject to change at any time without notice. To make sure you are aware of any changes, please review this policy periodically.

Information Collection
We obtain personal or business formation about you/your business disclosed during the course of registration and/or while you apply on the website and/or mobile application and/or through business associates for any of our listed products and/or services.

Information Use
WhatsLoan will not sell or rent your personal Information to anyone, for any reason, at any time. However, we will be sharing your Personal Information/ Sensitive Information with our affiliates and business partners, where we feel that they will be able to assist you better for the purpose of underwriting and approval of your credit card, loan and approving investment in Mutual Fund or any other financial product transaction/related transaction. WhatsLoan uses the information collected and appropriately notifies you to manage its business and offer an enhanced, personalized online experience to you on its Website. By registering on the Website you authorize WhatsLoan to send texts and email alerts to you and any other service requirements, including promotional mails and SMSs Further, it enables us to: 

  • Use Analytics on the Website & Mobile Apps to improve our Service to you.
  • Send you any sales campaigns notices, offer alerts and communications relevant to your use our Products & Services;
  • Enable you to seek and to apply for required products and services for which you have chosen to seek or apply;
  • Carry market research, detecting and protecting against fraud or other unauthorised activity; 
  • Make third-party channels compliant that provide services to us and are bound by these same privacy restrictions;
  • Comply with all applicable laws and regulations in India
  • Enforce Terms of Use.

  • For availing the Service such as seeking or applying for a loan, credit card, Insurance , Mutual Fund or any other financial product we will require you to provide/upload on the Website or Mobile App the details such as a your name, parentage, marital status, email address, nationality, location, mobile number, PAN, employment & income details/proofs, Form 26 AS, recent photograph, signature image, other Know Your Customer (KYC) documents like address proof, identity proof and personally identifying information about a potential co-loan applicant (should you select this option), and to participate on our forum boards, a username (collectively the "Registration & Application Information"). 

    You may opt out of location based services , mobile phone access features and access to social media at any time by editing the setting of your browser or mobile apps

    In order to provide your bank statement or payslip electronically along with your loan application, you also must provide your third-party account credentials ("Account Credentials") to allow us to retrieve your account data at those other financial institutions ("Account Information") for your use. Your Account Credentials are only used once to retrieve your bank statements/payslips and are not stored in our system. However, we shall not be liable to you against any liability or claims which may arise out of such transactions being carried on your own accord. We use bank grade account access security features provided by our technology associates as permitted by banks, financial institutions and regulatory authorities.

    We may also use third party service providers to provide the Service to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your Personal Information for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information provide to them.

    Aadhar Card as an optional ID and Use
    As an option and upon your consent, you may give your Aadhar details to verify your identity by the Aadhar as your ID. It will be verified utilizing the offline e-KYC mechanism as per UIDAI guidelines (updated from time to time). The details will include your Name, Gender, Date of Birth, Photo and Address. For this purpose, we may request your Aadhar Card with QR code or your Aadhar details in a XML or PDF format. This details once verified as with other KYC documents will only be shared upon your consent for the purpose we have obtained. We may store the physical image of the Aadhar card but we do not store your Aadhar Card number by masking your Aadhar number revealing only the last digits as permitted.(e.g. - XXXXXXXX1234).

    Information submitted to and processed by credit bureaus
    As a part of our service, we utilize credit bureaus. Information provided to us maybe submitted and/or utilized by the credit bureaus in the aide of providing you the relevant service. By using our service you agree that you will abide by credit bureaus' terms and conditions and privacy policy.

    Disclosure of Collected Information
    We do not disclose your sensitive Personal Data or Personal Information except as directed by law or as per mandate received from the you as customer/applicant . Upon your written request we will provide you with information on whether we hold any of your personal information. No specific information about customer accounts or other personally identifiable data is shared with non-affiliated third parties unless any of the following conditions is met:

  • To help complete a transaction initiated by you
  • To perform support services through a third party service provider, provided it conforms to the Privacy Policy and your prior consent to do so is obtained
  • You have willingly authorized it
  • The disclosure is necessary for compliance of a legal obligation or as required by law, such as to comply with a subpoena, or similar legal process
  • The information is shared with Government agencies mandated under law
  • The information is shared with any third party by an order under the law
  • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. 

  • There are number of products/services such as loans, credit cards, mutual funds, insurance products offered by third Parties on our Website, such as lenders, banks, credit card issuers, mutual funds and insurance companies . If you choose to apply for these separate products or services, disclose information to these providers, then their use of your information is governed by their privacy policies. We would not be responsible for their privacy policies.

    Use of Information for Marketing
    You agree that we and other trusted third parties shall be entitled to advise you via e- mail, sms, post, telephone or by text of products, Services and other offers we think those may interest you.

    Whenever you provide us with personal information, we will give you an opportunity to tell us whether you consent to us and others using and sharing your information for marketing purposes or not. Unless you tell us otherwise, you are consenting to such uses. Any electronic marketing communications we send you will include clear and concise instructions to follow should you wish to unsubscribe at any time.

    Should you no longer wish to be contacted by us, you can advise us at any time by sending an email to contact@hometree.net.in

    You can also ask us at any time to stop passing your information to third parties for marketing purposes, which we will do. Such a request may result in us ceasing to offer the Services to you.  If you no longer wish to be contacted by third parties for marketing purposes, please follow the instructions in their marketing communications, or consult their privacy policies for further information about unsubscribing.

    Security of Personal Documents and Data
    We follow generally accepted standards to protect the Personal Information submitted to us, both during transmission and once we receive it. Since no method of transmission over the Internet, or method of electronic storage, is 100% secure, therefore, we cannot guarantee its absolute security. If you have any questions about security on our Website, you can contact us at contact@hometree.net.in

    We use a combination of firewalls, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect our online accounts and systems from unauthorized access. 

    When you register for the Service, we require a password from you for your privacy and security. We transmit information such as your Registration Information for Website, Mobile App or Account Credentials securely.

    Responsibility for the information
    You may complete a registration process as part of your use of this Website, Mobile Apps which may include the creation of a username, password and/or other identification information. Any username, password and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. As explained in our terms of use, where you do disclose to or share with anyone your username, password and/or other identification information, you are solely responsible for all activities undertaken on this Website and/or Mobile application using your username, password and/or other identification information.

    You must check and ensure that all information, content, material or data you provide on this Website is correct, complete, accurate and not misleading and that you disclose all relevant facts. By this we can ensure you best services from our end as per your requirement and need. Irrespective of the fact that you have registered yourself under DND or DNC service, you are still authorizing us & our representatives to give you a call for the above mentioned purposes till 30 days of leaving your number on our Website. Also based on your active opt-in you are open to receiving promotional offers from & our partner banks, financial service providers. Hence, there is no DNC check required for the number you have left on our Website.

    It is one of the feature of this Website or one of our Service that you can apply for a loan which will require you to provide us certain details such as your name, email address, address, telephone/mobile number, PAN number, Employment, Income, ITR Returns, GST, Bank account details, personal identification information about a potential co-applicant (if applicable), password and a username (collectively the "Registration Information").

    Such information does not identify you individually. Access to your Registration Information and any other personal information you provide is strictly restricted and used only in accordance with specific internal procedures and safeguards governing access, in order to operate, develop or improve our Services. We may also use third party service providers to help us provide the Services to you, such as sending e-mail messages on our behalf or hosting and operating a particular feature or functionality of the Service. Our contracts with these third parties outline the appropriate use and handling of your information and prohibit them from using any of your personal information for purposes unrelated to the product or service they're providing. We require such third parties to maintain the confidentiality of the information we provide to them.

    Your Registration information
    If your Registration Information provided to us when you had applied for a product on our Website or Sites changes, you may update it whenever you apply for a new product via our Website or Sites. To review and update your Personal Information and to ensure that the same is accurate while your application is in process, you may contact us at contact@hometree.net.in

    We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at contact@hometree.net.in. We will respond to your request within a reasonable timeframe. However, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and to enforce our agreements.

    Your Testimonials
    By signing up with us , you consent to us to post your testimonial along with your name. If you want your testimonial removed please mail to us at contact@hometree.net.in

    If you use a blog or other public forum on Website, any information you submit there can be read, collected or used by other users and could be used to send you unsolicited messages. We are is not responsible for the Personal Information you choose to submit in these forums.

    Security of Login ID & Password
    You are responsible for maintaining the security of your Login ID and Password, and may not provide these credentials to any third party. If you believe that they have been stolen or been made known to others, you must contact us immediately at contact@hometree.net.in.We are not responsible if someone else accesses your account through Registration Information they have obtained from you or through a violation by you of this Privacy and Security Policy or the HomeTree Terms of Use. 

    If you have any security related concern, please contact us at contact@whatsloan.com. We will work closely with you to ensure a rapid and personal response to your concerns.

    Changes to Privacy & Security policy
    We may update this Policy to reflect changes to our information practices. We encourage you to periodically review this page for the latest information on our privacy practices.

    Our Contact
    If you have compliant, questions, comments, concerns or feedback in relation to the processing of information or regarding this Privacy Policy or any other privacy or security concern, send us an email to contact@hometree.net.in

    The name and contact details of the contact person: Managing Director, HomeTree, D-375, LGF Defence Colony, New Delhi, India - 110024 . The effective date of this Policy, as stated below indicates the last time this Policy was updated and materially changed.

    POLICY EFFECTIVE DATE : 17th January , 2019